10 ways to stay motivated while paying off your debt, according to Mirek Saunders of PaydayChampion – CONAN Daily


When you’re trying to pay off your debt, it can be difficult to stay motivated. Especially if you’ve been struggling with it for a long time. But don’t worry because you are not alone. Thousands of people are in the same situation as you, and many of them have found ways to stay motivated and continue on their journey to debt freedom.

In this blog post Mirek Saunders out of PaydayChampion, a well-established online loan brokerage service, shares 10 tips and tricks from seasoned payday loan borrowers who have managed to successfully pay off their debts. This advice is for those looking forward to achieving financial freedom.

Bundles of dollar bills (©Celyn Kang)
  1. make a plan.

Knowing what to do and when to do it. This will help you stay accountable and on track.

2. Start small.

It can be overwhelming to think about paying off all your debts at once. So start with a loan or credit card balance and work your way up from there.

3. set goals.

Both short-term and long-term. Having something to strive for will help you stay motivated even on the days when it feels like you’re not making any progress.

4. Find a support system.

Whether it’s friends, family, or an online community of people in the same situation as you, having someone to talk to and lean on can make all the difference.

5. Talk about your debt-free journey.

Sharing your experiences and achievements with others will keep you on track and stay motivated. It can also be a great way to inspire others who are working towards becoming debt free themselves.

6. Reward yourself.

Every time you complete a goal, a pat on the back (and maybe even a little reward!). This will help reinforce positive behavior and remind you that getting out of debt is worth the effort.

7. Keep a debt-free journal.

Document your journey so you can look back on it later and see how far you’ve come. This can be a great source of motivation when you’re feeling down about your progress.

8th. Be inspired by the stories of others.

There are many people out there who have been in your shoes and come out the other side with no debt. Reading or listening to their stories can give you the hope and motivation you need to keep going.

9. Visualize your goal.

Close your eyes and imagine what life will be like when you are finally debt free. What are you going to do with all that extra money? How will it feel when the burden of debt isn’t hanging over your head?

10 Remember why you are doing this.

It’s easy to lose sight of your goals when the going gets tough. But if you can remember why getting out of debt is important to you, it will be a lot easier to move on.


If you’re struggling with payday loan debt, know you’re not alone. Millions of Americans are in the same boat, and many have managed to pay off their debts. Use these tips and tricks from seasoned debtors to stay motivated on your own debt-free journey. With hard work and dedication, anything can be achieved.

Finding someone to hold you accountable like a financial advisor or even a friend will be very helpful.

Taking out loans without a credit check is probably not a good idea at the moment. You need someone to help you be held accountable, it will be a lot easier to stay on track and stay motivated as you pay off your debt. A financial advisor can help you develop a budget and payment plan that works for your unique circumstances. And having a supportive friend or family member to talk to can make all the difference when it comes to feeling motivated to pay off your debt.

So reach out to your support network and find someone who can help you take ownership on your journey to debt freedom. It will make all the difference when it comes to staying motivated and on track.


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